Nzira Yokufananidza Nayo Kubhadhara Nezvaunokoshesa
Kubhadhara mari kunoda iwe kutora kwenguva yakareba, kutarisa zvakaoma pahupenyu hwako. Nzira yaunopedza nayo mari yako inofanira kuratidza maitiro ako akadzama.
Kubhadhara, pachikamu chayo, ndechiito chekuenzanisa kushandiswa kwako nemari yako.
Kubudirira kubhadhara kunoda zvinopfuura kungozadza pepa rekushanda .
Zvinoda kuisa zvinhu zvinokosha .
Kuti uite izvozvo, iwe unofanira kuzvibvunza mibvunzo shomanana yakaoma.
Mubvunzo # 1: Ndedzipi Mikana Iri Kurasikirwa SeShoko reNzira Iyo Ndichishandisa Mari Yangu?
Ngatitii iwe unoda kuva nemumwe mwana, asi iwe nemumwe wako munonetseka kuti hamungakwanisi kurera mumwe mwana.
Kana kuti ngatiti iwe wakagara uchitsvaga kushanyira mbuya vako muFrance kana hama dzako muChile, asi iwe unonetseka pamusoro pemari yetikiti yemhepo.
Muchidimbu, ngatitii pane chimwe chinhu chamunoda "kuita" - mukana mukuru - iwe unofunga kuti haugone kuwana.
Pane nzvimbo huru muhupenyu hwako apo uri kutengesa mari? Iwe unokwanisa here kubvisa terevhizheni yako terevhizheni, kuburitsa kugovera motokari imwe chete, kana kutanga kutakura mbatya dzechipiri?
Iwe unogona here kuisa 1.5 gallon-per-minute showerhead muimba yako yekugeza kuitira kuti iwe uveveveura $ 10 - $ 20 kubva pamvura yako yemwedzi mwedzi? Unogona here kurega fodya kana zvinwiwa zvinonwiwa?
Izvi zviduku zvishoma zvebhajheti zvingaita sezvizhinji-$ 30 pamwedzi pano, $ 60 pamwedzi ipapo - asi vanogona kuwedzera kusvika mazana nemazana pamwedzi.
Kana iwe uchikwanisa kuita zviduku zvishoma uye uchidzidzira kushandisa mari yako kuitira kuti iwe ugone kuchengetedza mamwe $ 300 pamwedzi, iwe uchava ne $ 3 600 zvekare gore rega roga. Icho chakanaka chunk chekushandura kune 'chikoro chikuru chako' mari.
Mubvunzo # 2: Mari Yangu Ino Kutenga Inotii Nezvangu?
Kana iwe usina kutora mari yako ikozvino, imwe yenzira dzakanakisisa dzekuona mari yako yauri kushandisa ndeyokutora kuverenga kwezvinhu zvako. Hezvino zvinhu zvishomanana zvingafungidzirwa:
Zvipfeko - Ndeapi mahembe, mabheji, mapfekete, uye shangu zvakakonzerwa mumba mako? Iwe une boka rakakura rezvokupfeka here? Unowanzopfeka kakawanda sei iyo mbatya?
Edza kufungidzira kukosha kwezvinhu zvose zviri mumakamuri ako mupfungwa. Zvose zvakabhadhara zvakadini? Iwe unofunga kuti wakapedza zvakadini pazvipfeko uye shangu mumakore maduku apfuura?
Musha Wako Kana Imba - Imba yako yakawanda yebhadhara inotengesa imba yako kana imba yako? Zviri nyore kuita sengozi yekuita izvi. Kana yakakodzwa iri $ 800 pamwedzi, uye iwe unounza kumba $ 2 400 pamwedzi mushure mekuteresa, iwe uri kushandisa chetatu chemari imwe neimwe yebhadharo .
Kuva neimba yakanaka inobatsira chetatu chemaawa ako ekushanda here? Izvozvo zvinoenderana nemitemo yako here? Kana mhinduro iri hongu, izvi zvakanaka.
Asi kana mhinduro yako asiri, edza kutsvaga nzvimbo inodhura kuti urarame. Kubhadhara imba inosvika $ 600 panzvimbo ye $ 800 zvinoreva kuti iwe uri kungopa imwe yechina yemari yako kumusha wako, pane chetatu chazvo. Izvozvo zvakafanana nokuzvipa iwe 8 muzana kumutsa.
Kuverenga chikamu chemari yako yaunoshandisa paimba kunosuruvara kana iwe uri neimba yako nokuti kune zvakawanda zve "zvingaitika" mari yaunofanira kuifunga. Pamusoro pekutenga chikwereti, iwe uri kubhadhara inshuwarisi, mitero yemitengo, kugadziriswa, kuchengetedza, zvishandiso, uye mabasa. Shandisa bhajiro rekushandisa bhajeti kuitira kuti uone kuti maawa masere ezuva rekushanda unoita basa rekuchengetedza imba yako.
Kuzvidya - Unongodya chete pazviitiko zvakakosha, kana iwe unodya kazhinji pavhiki? Kana iwe uchidya nguva dzose, iwe unowira mune rimwe remisasa miviri: Iwe unofarira munhu anonyanya kudya zvokudya uyo anoverenga "kudya" sechibvumirano chakanaka, kana uri kushandisa mari yako zvakashata kune chimwe chinhu chisina kukosha kwauri. Ndeupi iyeyo?
The Bottom Line
Chakavanzika chekugadzirisa bhajeti hachisi chokubatwa mumadhora nemakumi .
Chinokosha kugadzirisa tsika dzako, hope, uye zvido zvako nemari yako yekushandisa.
Kuzadza pepa rekushandisa rinokuratidza kuti iwe unopedza sei mari yako danho rekutanga rinokosha, asi rinoshanda chete kana richienda-mu-ruoko nekuongorora kwakatendeka kwekuti unoda kushandisa sei hupenyu hwako.